The Loan That Uses Your Income
With an All In One first-lien HELOC, the income you deposit sits against your principal instead of sitting in a separate checking account. See what that does to the shape of your balance.
How the Mechanism Works
Your Income Goes In
Your paycheck is deposited directly into the All In One account rather than a separate checking account.
It Sits Against Principal
While it sits there, that deposit is applied against your loan balance — the balance you carry is what's left after your income lands.
You Still Spend It
Pay bills and draw funds back out as you need them. What stays in the account keeps working against the principal.
See What Your Income Does to Your Balance
Enter your numbers to see the shape of the two balance curves.
Balance curve comparison
Balance after 10 years — conventional schedule
$233,333
Balance after 10 years — income sitting against principal
$0
Illustrative — not a quote, not a commitment to lend. This view shows the directional shape of the mechanism only. It does not include interest, fees, taxes, or insurance, and it is not a projection of your actual balance. Your results depend on your deposits, your spending, the terms you're offered, and underwriting. Northpointe Bank. Equal Housing Lender. NMLS #1280900.